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Home Insurance Policy Types

As a home or property owner, there are two basic questions you need to ask when looking for insurance coverage. First, what type of property do you want to insure? Insurance coverage for commercial property or a commercial building is going to be very different than insurance for a residential apartment or mobile home. In addition, there are major differences in home insurance policies within the residential category. Insurance coverage for a farm is very different than insurance for a co-op.

The second question to ask is what are the specific types of coverage you need for the property? Do you live in an area that is prone to earthquakes, hurricanes, or hail storms? If so, you should ask if those specifics events are covered by the policy you select in order to avoid any unpleasant surprises.